| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT SERVICES, INC. | RICHARD DROUBAY 370 E. SOUTH TEMPLE SUITE 200 SALT LAKE CITY, UT 84111 | SELECTHEALTH BMS | $31K | $0 | $31K | 25.01% |
| GOLDENWEST INSURANCE SERVICES3 | RICHARD DROUBAY 5025 S. ADAMS AVE OGDEN, UT 84403 | SELECTHEALTH GW | $8K | $0 | $8K | 12.46% |
| BENEFIT MANGEMENT SERVICES3 | 370 EAST SOUTH TEMPLE SUITE 200 SALT LAKE CITY, UT 84111 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.43% |
| GOLDENWEST INSURANCE SERVICES3 | 5025 S. ADAMS AVE ODGEN, UT 84403 | STANDARD INSURANCE COMPANY | $428 | — | $428 | 1.71% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT SERVICES | 370 EAST SOUTH TEMPLE SUITE 200 SALT LAKE CITY, UT 84020 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 6.77% |
| GOLDENWEST INSURANCE SERVICES3 | 5025 S. ADAMS AVE OGDEN, UT 84403 | STANDARD INSURANCE COMPANY | $222 | — | $222 | 1.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SELECTHEALTH EIN 87-0409820 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $175K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 457 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SELECTHEALTH BMS | 457 | $188K |
| Life insurance | STANDARD INSURANCE COMPANY | 164 | $22K |
| Long-term disability | STANDARD INSURANCE COMPANY | 164 | $25K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SELECTHEALTH BMS | 457 | $188K |
| Other | STANDARD INSURANCE COMPANY | 164 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.